You're not bad. It's just that, you don't want to use your investment to give it to your friend as a loan. If I'm in that situation, I'll do the same as well.

You also said that it isn't a life-threatening problem, so I guess he can do something with that. He can just ask a loan on the bank, or on other people that he knows. I will not give any of my relatives any loan as well if that involves my overall holdings whether it is my crypto or stock holdings. Of course, it will be a different decision if it's life-threatening because there's a chance that I might liquidate all of my assets if that's the last option. You're not bad if you didn't gave your friend a loan. You're just aware that the bull market is coming, and you don't want to liquidate your holdings because you might miss those profits.

It depends.

I mean you can eat outside, and spend your money into something that you want as long as you are not spending "ALL" of it on that. If you are spending all of your money into something that you don't really need then there's a problem with you. You can still eat outside or spend on things you want as long as you keep a portion of your money for investing whether it's on Bitcoin or whatever asset class it is. Don't deprive yourself too much just because you want to have money to invest with, and at least balance it.